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Great Topic Ideas For Your Business Management Thesis
bib outline This is how one should regard us, as servants of thesis, Christ and stewards of the ms evers mysteries of God. Moreover it is required of stewards that they be found trustworthy. 1 Corinthians 4:1-2. Outlining the Bible is the primary means to prepare one to teach the in management precepts of Scripture in a clear and logical way. This is designed for wollongong the pastor, Bible study leader, or curriculum writer to learn how to examine the text and thesis then draw out what is there in a logical and systematic way. In this way, we can develop well crafted sermons and studies that are personally edifying and impacting to our congregation. This form of study can even be used by a mature Christian wanting more out of the Word for personal edification. Outlining will enable one to exegete and then write out what the Bible is saying.
Exegesis is digging out from the passage the principles and ideas that are represented there. Boys Essay! This helps prevents someone from adding his own thinking, prejudices, and ideas into the mix that would take away from what God is actually saying. Our responsibility is to ponder upon, examine, and expound on God's Word, not add in what is not there. Nor, are we to leave out what we do not want and thus miss what He clearly has for us. Exegesis is in management a tool to thesis, help you stay focused and centered upon Him and His precepts and then be edified so you can edify others. Outlining is taking what we have learned and in management thesis then laying it out in an orderly and wollongong efficient way so we can understand it better. Doing this will enable the teacher to impart it to others in a more profound and in management impacting way. Keep in mind that Scripture is the group source of biblical teaching; all we do is tap into it and pour out His most precious precepts for all to drink.
Why Should We Make an Outline? An outline is an essential tool. It can be used for any form of in management thesis, text, whether it is a Bible passage or any other form of literature-from Shakespeare to a textbook to a magazine article. This is the way any good writer or researcher goes about preparing and photosynthesis organizing his materials. Thesis! I developed this curriculum for you to use from over twenty years of research.
I sought out the principles and resources that a good sermonizer uses to teach. Why is group one preacher bad and another good when they come from the same seminary and denomination? From my original mentorship under Francis Schaeffer, study under Ray Stedman, and thesis interviewing hundreds of excellent Bible teachers including Charles Swindoll and R.C. Sproul for my book, Into Thy Word , it has been my quest to see what secrets and means can best be utilized to learn and then teach His Word. I discovered that a n outline is essential, after a good inductive and or exegetical study, to lay out what we are to learn and then to teach. By the group discussion way, every good preacher is first a learner before they become a teacher! Being a learner, doing an inductive approach, and then o utlining are the common denominators of what a good Bible-centered pastor does to prepare. There are no shortcuts to good Biblical messaging. We need, your congregation needs the right essential elements and tools to produce sermons. Outlining is essential for a Bible teacher use to prepare their lesson.
Outlining will be your primary means of in management thesis, producing quality, Bible-centered lessons, talks, sermons, or even research papers. The Basic Idea of an Outline. Outlining the Bible is not very different from outlining any other form of writing. Analasys Essay! Thus, there are many ways in which you can do it. I will give you several ways to do this; you may come up with some of your own. Thesis! The main purpose is to break down and isolate from the text the various ideas or categories it is wollongong representing. Consequently, each paragraph may have several ideas that relate or add to the main theme of the paragraph.
The task of outlining is to isolate and then lay out these ideas in in management thesis, a systematic and logical manner. The goal is to represent and teach the passage in the way it is boys essay intended, in its context and power. (If this is for a class project or assignment, first find out from your professor/teacher the in management form he wants, and use it; follow the assignment and class guidelines, even if you know a better or easier way). Boys Essay! To start out, just recall what you may have learned in those grammar lessons in school, which is to simply go through the thesis passage and boys essay pull out the themes, concepts, illustrations, and in management thesis ideas presented. First, look for a general theme, then sub-themes and ideas, such as where each idea begins and ends, and essay how it is in management thesis s ustained . Search for the principal themes and the logical order of each subjunctive idea; then, when you see another principal/primary theme, you can place it in the next category or section. An outline is basically an aid to help lay out the precepts and reasons of your sermon, study, or paper in a systematic, easy to use and easy to eclipse of community thesis, read structure. It helps you as the writer and in management thesis another person as the reader to identify the essays summary general ideas and thesis key thoughts of your line of reasoning. The basic consideration is for you to define the main idea and then the subordinate ideas. 1. How to Do a Basic Outline: First, there is analasys essay a main thought or principle. In Management! a. Here is where you place your first supporting concept, precept, or idea. b. Here is where you place your second supporting concept, precept, or idea. i. Here is where you place your further supporting idea, example, or illustration. ii.
Here is wollongong where you place more of the ideas and principles you have gleaned from the text. 2. Main Thought: A structured outline typically uses a descending numbered structure to disseminate (distribute, lay out) the information you have researched and learned. a. Supporting Concept : The numbers are in in management thesis, a logical indention and order to indicate various levels of subsidiary interrelation (describing precepts in a descending logical order from major idea to lesser points from the main ideas). b. Supporting idea: Look at wollongong, it as a story arc from your Major Idea, then the supporting ideas, and in each subordinate idea category and the further details thereof. 3. Why Do an Outline? There are many good reasons for outlining. a. An outline helps your learning and teaching progress. Thesis! i. Analasys Essay! An outline helps you organize your thoughts and in management ideas. ii. An outline will show the flow of principles, the analasys essay conflict, transformations, and resolutions. b. An outline guides your ideas into thesis, coherent groupings. i. An outline helps you organize the precepts of Scripture. ii.
An outline shows the logical relationship between ideas. iii. An outline has a logical, ordered overview and flow of arguments. Essays Summary! c. An outline will help you prove your point or show you when and where you are in error. d. An outline will help show the developments in your labor. i. An outline will help you learn and teach better. ii. Thesis! An outline will help you g row in humility and cultivate Fruit because you are focused on His precepts and photosynthesis not your own (1 Pet. 5:6). 4. How to Construct and Outline: Basically, you are making a framework with the following components ( Main or General Idea): a. Start with an introductory paragraph or sentence (First supporting concept, precept, or idea) i. In Management Thesis! Keep it short and concise (Further supporting idea, example, or illustration) ii. Stay true to your subject (Further supporting idea, example, or illustration) b. Write out supporting ideas (Further details or ideas) c. Write out further details or ideas. d. Have a concluding paragraph or sentence (Second supporting concept, precept, or idea) · There are also many different ways to bullet-point or number your outline. (Main Thought) o If this is for academic purposes find out the official school or teachers requirements and follow thusly (Supporting Thoughts) § Input your examples or ideas. § More examples or supporting ideas. o Further details or illustrations. · Second Main Thought. Of Community Thesis! o Details or examples or illustrations. In Management Thesis! 1. How to Do an Outline of Scripture: principal idea/theme (Remember, formatting can became distorted during conversion from Word to HTML) a. Essay! First make use of steps II III from thesis Into Thy Word . (principal idea/theme) b. This is where you make use of Observation . Carefully go over the text to see what is going on, the who, what, where, when, how, and why.
This will pull out facts through the nature of Scripture and help avoid presumptions and fallacies, because God's Word speaks for itself.) 2. Read the Text in Its Context Several Times. (Sub-Themes and Ideas) a. For example, if you are studying the essay discussion Book of John, begin with reading the whole book. Then, read the chapter you are outlining at least three times in a good translation such as the thesis NIV ; NASB , or NKJV. Eclipse Of Community! (Additional Sub-Themes) b. You can start by reading a paraphrase for your overview then go to in management, the good translation. (further Sub-Themes) i. Essay Discussion! Make sure you are going into your relationship with God's Word in a meaningful manner (see step I). ii. If you start too hastily, thinking you already know the passage, you will not gain the insights and depth because your haste will make waste . In Management! (Sub-themes) iii. Even Billy Graham, R.C. Essay Discussion! Sproul, and Chuck Swindoll, as well as other great and experienced exegetes with many times more experience than what you or I may have, do it this way! (Further sub-themes) iv.
Never let your pride clog your vision and in management thesis keep you in the dark or from discovering all you can. (Even further sub-themes) 3. Discussion! Write a Summary for in management thesis the Passage in Your Own Words (Third Main Idea/Principle - Idea/Theme) . If you are stuck, try reading it in various translations. If you know the original languages, then you know what to do. Do not forget to check out a paraphrase such as the New Living Bible , CEV , Phillips , Moffit , or the Message . a. Then you may start to look for thesis the principal theme and idea. (First Idea/Principle - Idea/Theme) b. Start with an introduction; it needs to state the main topic or idea of the outline . This is the general principle/idea that represents the passage you are studying. c. Then write a short description of that idea. (Third Idea) i. Make sure it is accurate to the text. Thesis! (Sub-Themes and Ideas). ii. Make sure you write down the verses next to each idea. d. The chapter and verses were added by analasys essay the publisher and are not part of the original text nor are they inspired. So, do not constrain yourself to them. You will find that sometimes they cut off key ideas in mid-thought that are still in thread, that is, still going on. 4. Then List All Of the Various Ideas/Points in Sequence. (Fourth Main Idea/Principle - Idea/Theme)
a. This is where you use Interpretation (Steps IV, V, VI) after you have finished the outline! This is taking what is said and finding out what the thesis text means, how to interpret literally in wollongong, the correct context. b. Thesis! This is where the supporting information and wollongong details go . This is called your Sub-Topic; these are commonly listed under the in management thesis idea/topic with each piece of information listed separately. c. Always, always go in the sequence of the text. Do not jump around! i. Go verse to analasys essay, verse. ii. In your teaching, you can call attention to other supporting verses from other parts of the Bible and use illustrations. d. Never take out of God's Word what is not there, or read in your will as His. e. In Management! Each sub-topic describes the main ideas from the of community thesis paragraph/passage . i. Thesis! When supporting information is listed under a sub-topic, there is a sequence that follows a logical order, especially in the Epistles. ii. In the narrative passages, you will also find a logical order of events. However, Hebrew literature does sometimes jump the points around. It is best just to stick to essay photosynthesis, the text and in thesis, the opening, summary, or conclusion, to ms evers essay, draw attention to the general context.
iii. By being aware of the thesis different genres of the Bible (that is types of literature), you will be able to outline more effectively. (See Appendix A from Into Thy Word .) f. Essay! There are normally two ideas of information that should be listed . If there is only one piece of information to in management, support a sub-topic, traditionally that information is included in the sub-topic. i. Do not be so concerned with your form that you neglect your principal duty, which is to exegete the text in a logical and systematic way. ii. Outlining, like any new activity, will take practice. Be persistent and ms evers boys essay do not get frustrated. It will take time and in management thesis practice! g. Being true to the Lord's Word and wollongong the Divine Author's intent is paramount! 5. Write a Summary and Conclusion to Your Passage . (Fifth Main Idea/Principle - Idea/Theme) a. This is where you use Application after you finished the outline (Steps V VI)! This is taking the plain meaning and in management thesis putting it to practical use. This is the, how shall I respond to the Word-what sin will I get rid of, to what commands will I yield, what pitfalls to avoid, in what actions to engage, and what promises to ap bio, keep . b. The summary should be done first. However, you can incorporate it in your teaching at the end. c. As you dig into God's Word, you are to be listening for in management His voice, so you can trust and obey His voice. i. Always make sure you are surrendered to His Truth and not your truth! ii.
Beware that false knowledge puffs up, or gives us pride (1 Cor. 1:8; Col. 2:18). iii. Beware that false or misleading teaching will cause strife and conflict. Text Outline of James 1:1-3. Text: James, a servant of God and of the Lord Jesus Christ, To the twelve tribes scattered among the nations: Greetings.
Consider it pure joy, my brothers, whenever you face trials of many kinds, because you know that the testing of your faith develops perseverance. Essay Group! (NIV) James, (Proposition) A servant of God (Predicate) of the Lord Jesus Christ, (Primary Object) To the twelve tribes (Secondary Object) scattered among the nations Greetings. Consider it pure joy (Subject) my brothers, whenever you face trials of many kinds, because you know that the testing of your faith develops perseverance. In Management Thesis! (Grammar terms apply more to of community, theme and thesis precepts than to actual English standard grammar, because Scripture was not originally written in English but in Hebrew and Greek, all having different grammar settings.) James Chapter 1 Conceptual Outline Example (the concepts and precepts) : Theme : How do we react to pressure? Faith will not break when it is real, even when times are dire. We are stable because of who we are in analasys essay, Christ and in management thesis not because of our circumstances. I. Trials are a part of life. 1:2-4: Seeking Jesus to deal with problems! We can declare them joy (Matt. 5:11-12; Luke 6:22-23) 1:5: Seeking wisdom to deal with life; receiving from God (Matt. 7:7; Luke 11:19 ) 1: 6-8: Asking for faith and not doubting (Matt. 21:-22; Mark 11:22 -24) II.
Temptations will come. 1: 9-11: Humbleness; seeking the proper perspective on wollongong, life (Matt. 13:6; 23:12 ; Mark 4:7: Luke 14:11 ; 18:14 ) III. How will you handle trials and guard against impurity? 1:12 : Importance of perseverance (Matt. 5:11 -12) 1:13-18: Holding on to the goodness of God (Matt. 7:12 ; 19:16 ; Luke 6:27 , 35) IV. We have to be doers of the Word, not just hearers. 1:19-20: The importance of listening (Matt.
7:11; Luke 6:46-49). 1:21-27: Our call to be compassionate toward those who hurt (Matt. 25:34-36) Specific Inductive Outline of James 1:1-3. The General Idea (What Does It Say): James begins his Epistle in a very direct and blunt way. Seek Jesus to deal with problems! The key to dealing with our problems is to keep our eyes upon Christ, allowing Him to in management thesis, be not only Savior, but also Lord. Essay Group! The Background: James is addressing the new Church. In Management Thesis! They were starting to become complacent when suddenly Steven was martyred (Acts 7:54 -60).
A wake up call is being pronounced that Christianity is dangerous and requires a level of faith that some may not be willing to give. What Does it Mean: James simply tells us we can actually profit from trials. He starts out ms evers boys essay his book by thesis massive humbleness in confessing who Jesus is: James realized that his life and purpose was all about who God is, and not who he is (The passages in parentheses are cross references-most Bibles have them-and other places in Scripture where the precepts can be found. These can be used to analasys essay, draw out thesis more information: Psalm 15; 101; 2 Thess. Eclipse Of Community Thesis! 1:12; Titus 2:13; 2 Peter 1:1). James' desire was to communicate with passion, conviction, clarity, and truth. We are to look at whatever situation we face and say this is good, this will better me, or this will help me.
I may not understand it, but I can trust God. He is there and He will carry me through it! Key Words: (Look them up and define them; then, use the ones that support your theme to fit in your message.) James is a form of Jacob-Gen. 49 (see introductory article). Bondservant , in Greek times, meant the lowest form of a slave, totally at the master's disposal and even expendable. For us, it means total, surrendered devotion to the Lord. Twelve tribes refers to all those who are Jewish.
Count it joy refers to declaring our situation as happy and in management fulfilling. It is to ap bio photosynthesis, change our mindset and focus. It is realizing the sovereignty of God and that He is in thesis, control, even when life seems to be turned upside down and inside out! Trials refer to boys, persecution or any harsh circumstance, adversity, or temptation. Testing refers to the circumstances that God allows so we will learn perseverance, produce our Fruit, and further prove and in management thesis develop our faith. Applications (How I am changed; how I can challenge others to change) : We are called to declare our situation-whatever it may be-as joy!
It is wollongong not a question of if we have problems, but when , as we all will face them. In Management Thesis! As Christians, we are all bothers and sisters under God. We are family, and need to treat others in Him with the same reverence and endearment as Christ has treated us! Joy will allow us to enjoy our relationship with Christ and with others. Joy helps us develop authentic happiness that comes from and with harmony with God and others. Joy helps us understand God's perspective and gives us the confidence and patience to endure anything! Joy is not happiness, because we may not be content and pleased with it; rather, joy is hope; it is our hope. Our pleasure comes from eclipse of community thesis knowing He is in charge and cares for in management thesis us (Psalm 34:1-8; 1 Thess. 5:18 )! This gives us our maturity, our character, and enables our Fruit to group, benefit others. Thesis! These are for boys essay our direct benefit and growth that He works out both for our benefit and for His glory (Romans 5:3; chap. 8). (See more on in management, our James Study, James 1:1-4 on the Bible Study Channel) Now, you will have some more tools for your sermon and teaching arsenal to use as is or as a platform on which to build more.
It can be a discipline for your writing so you can place key, biblical precepts in a format you can continue to use, update, and improve upon while maintaining the continuity and logic. Then, make sure you have a file system to store them for future use. Do not rest in your pride and what you think you know; rest in Him and draw out what He wants you to wollongong, know! May God bless you in in management thesis, your endeavors to know and grow in your knowledge and teaching of His Most Precious Word!
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Management Thesis Topics in Business Studies | Thesis Writing
How Wall Street Killed Financial Reform. It's bad enough that the thesis banks strangled the Dodd-Frank law. Even worse is the way they did it - with a big assist from Congress and the White House. Two years ago, when he signed the Dodd-Frank Wall Street Reform and Consumer Protection Act, President Barack Obama bragged that he'd dealt a crushing blow to the extravagant financial corruption that had caused the global economic crash in 2008. These reforms represent the strongest consumer financial protections in essays summary history, the president told an in management thesis adoring crowd in downtown D.C. on wollongong, July 21st, 2010. In history . This was supposed to be the big one. At 2,300 pages, the thesis new law ostensibly rewrote the rules for Wall Street.
It was going to put an end to ap bio predatory lending in the mortgage markets, crack down on hidden fees and penalties in in management thesis credit contracts, and create a powerful new Consumer Financial Protection Bureau to safeguard ordinary consumers. Big banks would be banned from gambling with taxpayer money, and a new set of analasys essay rules would limit speculators from making the kind of in management crazy-ass bets that cause wild spikes in boys the price of food and energy. There would be no more AIGs, and the world would never again face a financial apocalypse when a bank like Lehman Brothers went bankrupt. Most importantly, even if any of in management that fiendish crap ever did happen again, Dodd-Frank guaranteed we wouldn't be expected to pay for it. The American people will never again be asked to foot the bill for Wall Street's mistakes, Obama promised. There will be no more taxpayer-funded bailouts.
Period. Two years later, Dodd-Frank is groaning on its deathbed. The giant reform bill turned out to be like the essay group discussion fish reeled in thesis by Hemingway's Old Man #x2013; no sooner caught than set upon by sharks that strip it to nothing long before it ever reaches the shore. In a furious below-the-radar effort at gutting the essays summary law #x2013; roundly despised by in management thesis Washington's Wall Street paymasters #x2013; a troop of water-carrying Eric Cantor Republicans are speeding nine separate bills through the House, all designed to roll back the few genuinely toothy portions left in Dodd-Frank. With the Quislingian covert assistance of Democrats, both in group Congress and in the White House, those bills could pass through the thesis House and the Senate with little or no debate, with simple floor votes #x2013; by a process usually reserved for things like the renaming of post offices or a nonbinding resolution celebrating Amelia Earhart's birthday. The fate of Dodd-Frank over the past two years is an essay object lesson in the government's inability to institute even the simplest and most obvious reforms, especially if those reforms happen to clash with powerful financial interests. From the moment it was signed into in management thesis law, lobbyists and lawyers have fought regulators over every line in the rulemaking process. Congressmen and presidents may be able to essays summary get a law passed once in a while #x2013; but they can no longer make sure it stays passed. You win the modern financial-regulation game by filing the most motions, attending the most hearings, giving the most money to the most politicians and, above all, by thesis keeping at it, day after day, year after fiscal year, until stealing is legal again. Essay! It's like a scorched-earth policy, says Michael Greenberger, a former regulator who was heavily involved with the drafting of Dodd-Frank. It requires constant combat.
And it never, ever ends. That the banks have just about succeeded in strangling Dodd-Frank is probably not news to most Americans #x2013; it's how they succeeded that's the scary part. In Management! The banks followed a five-point strategy that offers a dependable blueprint for defeating any regulation #x2013; and for guaranteeing that when it comes to the economy, might will always equal right. STEP 1: STRANGLE IT IN THE WOMB. The first advantage the banks had lay in analasys essay the fact that for all Obama's bluster, Dodd-Frank was never such a badass law to begin with. In fact, Obama's initial response to in management the devastating financial events of 2008 represented a major departure from the historical precedent his own party had set during the analasys essay 1930s, when President Franklin D. In Management! Roosevelt launched an audacious rewrite of the rules governing the eclipse of community thesis American economy following the Great Crash of 1929. Upon entering office, FDR was in exactly the same position Obama found himself in after his inauguration in 2009. In Management Thesis! Then, as now, the American economy was in tatters after the boys bursting of a massive financial bubble, brought on when speculators borrowed huge sums and gambled on unregistered securities in largely unregulated exchanges. This mania for instant riches led to an explosion of Wall Street fraud and manipulation, creating a mountain of in management thesis illusory growth divorced from the real-world economy: Of the $50 billion in securities sold in America in the 1920s, half turned out to be worthless.
Roosevelt's response to all of essay this was to pass a number of sweeping new laws that focused on a single theme: protecting consumers by forcing the in management business of Wall Street into essays summary the light. The Securities Act of in management 1933 required all publicly traded companies to register themselves and essays summary offer prospectuses to investors; the Securities Exchange Act of 1934 forced publicly traded companies to thesis make regular financial disclosures; and the Commodity Exchange Act of 1936 required all commodities and futures to be traded on organized exchanges. FDR also created the FDIC to protect bank depositors (through an analasys essay insurance fund paid for by the banks themselves) and passed the Glass-Steagall Act to separate insurance companies, investment banks and commercial banks. Post-New Deal, if you put money in in management a bank, you knew it was safe, and if you bought stock, you knew what you were buying. This reform strategy worked for more than half a century #x2013; and it offered Obama a clear outline of how to respond to thesis the crash he faced. What made 2008 possible was that Wall Street had moved its speculative frenzy away from the regulated exchange system created by FDR, and into darker, less-regulated markets that had coalesced around brand-new financial innovations like credit default swaps and collateralized-debt obligations. It wasn't that the old system had broken down; Wall Street had just moved the in management playground. All Obama needed to ap bio photosynthesis do to rescue the in management thesis economy and protect consumers was to make sure that the new playground had some rules. That meant moving swaps and other derivatives onto essay photosynthesis open exchanges, making sure that federally insured banks that dabbled in those dangerous markets retained more capital, and in management thesis coming up with some kind of plan to essays summary prevent the next AIG or Lehman Brothers disaster #x2013; i.e., a plan for in management thesis, unwinding failing companies that wouldn't require federal bailouts. The initial proposal for Dodd-Frank addressed most of essays summary those concerns.
As drafted, it would have created a system for shutting down failing megafirms, required swaps to be traded and cleared on regulated exchanges, and restored the spirit of thesis Glass-Steagall through the so-called Volcker Rule, which would have prevented federally insured banks from wollongong, engaging in dangerous speculation. It envisioned a powerful new Consumer Financial Protection Bureau to represent the thesis interests of of community consumers against Wall Street, a bureau headed not by in management thesis some banker stooge but by an actual consumer advocate and wollongong financial expert like Elizabeth Warren, the Harvard professor who came up with the idea. And it would have cleaned up the in management mortgage markets by ending predatory home-lending and forcing everyone in the market, from essay, homeowners to banks to investors buying mortgage securities, to post real cash and keep skin in the game when buying or selling a mortgage. Then, behind the thesis closed doors of Congress, Wall Street lobbyists and their allies got to work. Wollongong! Though many of the in management thesis new regulatory concepts survived in the final bill, most of them wound up whittled down to such an extreme degree that they were barely recognizable in the end. Over the course of essay discussion a ferocious year of negotiations in the House and the Senate, the in management thesis rules on swaps were riddled with loopholes: One initially promising rule preventing federally insured banks from trading in risky derivatives ultimately ended up exempting a huge chunk of the wollongong swaps market from the new law. The Volcker Rule banning proprietary gambling survived, but not before getting its brains beaten out in last-minute conference negotiations; Wall Street first won broad exemptions for thesis, mutual funds, insurers and trusts, and then, with the aid of both Treasury Secretary Tim Geithner and essay Sen. Chuck Schumer of New York, managed to in management thesis secure a lunatic and arbitrary numerical exemption that allows banks to gamble up to three percent of their Tier 1 capital, a number that for big banks stretches to wollongong the billions.
Then there was the Consumer Financial Protection Bureau, which went from thesis, being a powerful, independent agency run by Elizabeth Warren to a smaller bureau within the Federal Reserve System run by - well, anyone but Elizabeth Warren. Analasys Essay! With Geithner and in management Republicans in Congress blocking her once-inevitable appointment, we no longer had Warren playing watchdog to Federal Reserve chief Ben Bernanke - instead we had new CFPB head Richard Cordray, a former Ohio attorney general who enjoys far less of a popular mandate than Warren, forced to operate within the bureaucracy of Bernanke's Fed. But the best example of how the watering-down process helped make Dodd-Frank ripe for a later killing was the discussion question of in management Too Big to Fail. Obama, Geithner and the Democratic leadership in Congress never seriously entertained enacting the most obvious and necessary reform at all #x2013; breaking up the so-called systemically important financial institutions (the congressional term for banks so huge we'll have to bail them out if they collapse). Group Discussion! Rather than simply stopping these firms from getting so big that they'd blow up the universe in a collapse, the Democrats opted for a half-clever semantic trick, claiming they had solved the in management thesis future bailout question with Title II of the Dodd-Frank Act, known as the Orderly Liquidation Authority or OLA section of the bill. In a nod to FDR, Title II would have forced major financial companies to pay $19 billion into an FDIC-style fund that would cover the essays summary cost of any future bailouts. Thesis! But then the balance of power in the Senate was upset by the election of essays summary Republican Scott Brown to Ted Kennedy's seat in Massachusetts. As the in management clock wound down toward the bill's passage, Brown insisted on a change: Instead of making ginormous companies pay $19 billion in advance, the essays summary FDIC would first use taxpayer money to pay for any bailouts, and in management thesis then spend years trying to recover that money from Wall Street by means of an photosynthesis assessment process so convoluted that you could grow a four-foot beard in the time it would take to understand it. In Management! Republicans managed to wrangle support, in essays summary conference, for the bailout now, pay later idea, and it made its way into the final bill. Fast-forward to 2012.
Rep. Paul Ryan, the self-styled Edward Scissorhands of Republican budget slashing, gathers the thesis GOP leadership together and tells the of community chairman of each committee that he wants them, collectively, to come up with $261 billion in cuts. In Management Thesis! Ryan demands $35 billion of the cuts come from the Financial Services Committee, which oversees much of the regulatory apparatus that would enforce Dodd-Frank. The committee is now chaired not by the reform bill's namesake, Rep. Barney Frank, but by median-intellected Spencer Bachus of Alabama, who last year voted to delay Dodd-Frank reforms designed to prevent swaps disasters like the one that drove his home turf of analasys essay Jefferson County into bankruptcy. Bachus' solution to coming up with massive budget cuts? Eliminate the entire Title II section of Dodd-Frank.
If another#xAD; bank failed, Bachus argued, it would take way too long to recoup the bailout money from Wall Street through that crazy assessment process that Republicans themselves had insisted on only two years earlier. Thesis! In the end, the essays summary logic went, taxpayers would wind up footing the bill anyway, so better just to scrap the entire plan to have the FDIC pay for the bailouts upfront #x2013; thus saving taxpayers some $22 billion. The logic, of course, is complete nonsense. Without Title II, we'd be right back where we started #x2013; rushing to implement an thesis expensive bailout in the midst of a crisis, without any way to make Wall Street repay the money. Analasys Essay! But because Democrats had preemptively surrendered on the original idea of thesis forcing Wall Street to pay into essays summary an FDIC-style kitty ahead of in management time, Republicans were now in a position to push the whole bailout plan off the pier via a simple budget resolution. To make up the rest of the $35 billion in essay group budget cuts ordered by Paul Ryan, Bachus also proposed slashing Obama's mortgage-aid program and making the in management thesis Consumer Financial Protection Bureau subordinate to a congressional appropriations process #x2013; meaning that its budget could be subjected to never-ending attacks by the GOP.
The cuts were so extreme that even Geithner, usually a devoted tribune of Wall Street interests, sent a letter opposing them, but to group no avail. The budget-slashing resolution passed the House this April. The problem with attacking laws in in management thesis Congress, of course, is ms evers that you need to control both chambers to make it stick. The Bachus-budget gambit may not have much of a chance of passing in the Senate, which is still controlled by the Democrats, but that won't faze opponents of Dodd-Frank, who have found an even more dependable arena for gutting the new law: While death and taxes may be only relative certainties in thesis today's economy #x2013; failing megabanks neither die nor pay taxes anymore #x2013; one thing that was always absolutely certain from the start was that Wall Street was going to sue the living hell out of Washington before the ink was even dry on Dodd-Frank. Eclipse Of Community Thesis! It took a little while, but the in management thesis banks very quickly found a tried-and-true method of tying up the reforms in court. Wall Street's first big win involved a small-but-important change known as the proxy access rule, which made it easier for people who own stakes in a company to remove directors from the board #x2013; giving shareholders more power to rein in corrupt or overpaid company executives. More democracy in business sounded like a good idea to almost everyone. But Wall Street has a dependable playbook for getting rid of any reform, no matter how small, that leads to greater accountability. First, they hire a shit-ton of lobbyists to go to the regulators, says Jim Collura, spokesman for the Commodity Markets Oversight Coalition. Then, they beat the crap out of them during the rulemaking process.
And then, when that's over, they litigate the hell out of them. Sue their asses! For all the right's supposed hatred of activist judges, conservatives immediately flocked to the courts in discussion search of magistrates willing to casually overturn the in management thesis work of elected officials. In the case of the proxy access rule, Wall Street convinced its two favorite lobbying arms, the Business Roundtable and the Chamber of Commerce, to sue the Securities Exchange Commission over a technicality, claiming that the agency had not done a proper cost-benefit analysis before it instituted the new rule. In an appropriately loathsome touch, the Chamber's legal team was led by essay one Eugene Scalia, son of in management Supreme Court Justice Antonin Scalia. The younger Scalia, who looks like the product of a twisted test-tube experiment that crossed his father with Ari Fleischer, pitched a federal appeals court on the idea that the proxy access rule was arbitrary and capricious, and that the SEC hadn't spent enough time studying the rule's effects on efficiency, competition and capital formation. In fact, the agency had produced 60 pages of cost-benefit analysis and had spent, according to SEC chief Mary Schapiro, some 21,000 man-hours working on the bill and studying its effects. Still, the court wasn't impressed. In his opinion, presiding judge and Reagan appointee Douglas Ginsburg peed all over Dodd-Frank, vacating the rule, which he dismissed as unutterably mindless. With striking chutzpah, considering that he was ruling in a case brought by the mother of all special#xAD;interest lobbies, Ginsburg also denounced the shareholder rule as a gift to special interests, particularly unions and essays summary government pension funds.
Almost immediately after the win, the in management gloating Scalia issued a thinly veiled threat to ms evers essay regulators, letting them know that any attempt to implement more limits on Wall Street would likely result in the same kind of lawsuit. I would hope the agencies are taking to heart the potential consequences for Dodd-Frank rules, he chirped. The success of the in management lawsuit cemented Wall Street's strategy for doing away with Dodd-Frank. Rather than challenge the constitutionality of the bill in one broad suit, the finance industry would take the bill apart by pulling out one fingernail at a time. Dodd-Frank is not one thing but many, Margaret Tahyar, a partner at the white-shoe corporate defense firm Davis Polk, told reporters last year. Of Community! There is no reasonable constitutional or statutory challenge on the whole #x2013; only on the bits and pieces. Very quickly, industry leaders turned to thesis the targets they were most concerned about.
This time, two bank-friendly industry groups sued the wollongong Commodity Futures Trading Commission (CFTC) to in management stop it from implementing position limits in photosynthesis the derivatives market. In Management Thesis! Unlike the proxy access rule, which was essentially a procedural issue, position limits got right to the heart of a monstrous international problem #x2013; the perversion of fuel and food prices by financial speculators. The oil bubble of 2008, in which a barrel of oil rose to a preposterous $146 before falling to an equally preposterous $35, was one result of such wanton speculation; the surge in global food prices that led to the Middle East revolutions last year was another. The position limits set by Dodd-Frank were designed to prevent any one speculator from controlling more than 25 percent of eclipse thesis a commodities market at any given moment. To say that this is an issue that shouldn't be litigated over a technicality is an in management thesis understatement; it's not a stretch to say that the viability of capitalism itself is at least partially at stake here. The rule, after all, would help ensure that prices are pegged to the real supply and demand of analasys essay real producers and consumers, not to fantasy bets placed by market-monopolizing speculators. But the industry sued the CFTC over the exact same issue #x2013; the supposed lack of in management sufficient cost-benefit analysis #x2013; that the ms evers boys Chamber of Commerce used to derail the proxy access rule. And once again, the industry hired the ass-kicking Scalia, who argued that the CFTC had failed to provide sufficient evidence for its decision to establish position limits.
In an even more awesome demonstration of sheer balls, Scalia Co. also argued that the CFTC's vote to establish position limits was invalid because one of the agency's commissioners, Michael Dunn, did not really believe in the law. Dunn had quit the CFTC to take a cushy job at a Wall Street-friendly law firm, and on the way out the door, he whined that he had only voted for position limits because Dodd-Frank forced him to, calling the rule a cure for a disease that does not exist. Thesis! So under the novel test offered by Scalia, rules like position limits #x2013; approved by Congress after months of debate #x2013; could be invalidated simply because a federal commissioner who signed off on the details wasn't emotionally on essay discussion, board at thesis, the moment of the rule's conception. The lawsuit by Scalia Co. Essays Summary! succeeded in gumming up the in management works. The industry has tried to get the court to issue an essay group discussion immediate stay on the implementation of position limits, and the case is likely to drag on for months.
Reform advocates like Collura are taking an almost fatalistic view of these developments. In Management! Even if the judge doesn't issue a delay, Collura says, you know the Wall Street groups are going to try to appeal it. You might think otherwise, but it doesn't naturally follow that because a law has been passed by wollongong Congress and signed by the president, said law actually has to be implemented. With Dodd-Frank, the SEC took a brilliant approach to submarining one of its own regulations. The agency was supposed to begin enforcing the new proxy access rule by late 2010.
Instead, in October 2010, it granted speculators a last-minute stay #x2013; essentially giving the Chamber of Commerce time to thesis prepare its lawsuit to permanently kill the rule. Position limits are another example. Dodd-Frank ordered the CFTC to begin enforcing the new rule no later than January 17th, 2011. But January 17th came and went, and #x2013; no position limits! Gary Gensler, the head of the analasys essay CFTC and a former executive of Goldman Sachs, then announced that he hoped to implement the rule by September 2011. But September came and went, and soon it was 2012, and before you knew it, the CFTC, like the SEC, was in court, facing a lawsuit that would permanently kill the rule. Even the president got into the stalling game. During the in management year of nonaction on position limits, the wollongong disease that did not exist #x2013; energy speculation #x2013; returned to ravage the American gasoline market. In the winter of 2011, oil soared above $100 a barrel, despite fundamentals of supply and demand that would have suggested a price drop.
Obama blasted fuel speculators for the price hike and announced that he was creating the Oil and thesis Gas Price Fraud Working Group to root out any cases of fraud or manipulation in the oil markets. He added, in eclipse of community stern and stirring tones, We're going to make sure that nobody is taking advantage of American consumers for in management, their own short-term gain. This was a curious decision. If Obama really wanted to stop speculation in the oil markets, he didn't need to create a brand-new task force that would have to start from ap bio, scratch to deal with a hellishly complex problem that Congress and the CFTC had already spent years studying. In Management Thesis! An easier way to deal with excessive oil speculation, one senior Senate aide explains, is for the president to just pick up the phone, call Gary Gensler and say, 'The Dodd-Frank Act required you to put in strong position limits by January 17th, 2011.
Get off your butt and act.' The Oil and Gas Working Group turned out to be a complete sham. Essays Summary! In its year of ostensible existence, the panel met only a few times, then never bothered to convene again. One source on the Hill tells me that some of the members were not even aware that they'd been named to the task force for months. It was such a Potemkin committee that when oil prices once again shot up past $100 a barrel this year, Obama was hilariously forced to announce that he was reconstituting the task force, even though it had never officially disbanded. In Management Thesis! It's a joke, says Greenberger, the former regulator. They've done absolutely nothing. Many key sections of Dodd-Frank, in analasys essay fact, are now experiencing such unforeseen delays. The Volcker Rule, which severely restricts the in management ability of banks to gamble with taxpayer-insured money, is in the midst of an impressive double delay. Regulators have been so slow to wade through the flood of 17,000 comment letters submitted on ms evers boys, the rule, most of them from Wall Street interests, that they may not be finished#xAD; writing the in management regulation by ap bio photosynthesis the Dodd-Frank-mandated deadline of July 21st, 2012 #x2013; two years after the bill passed. But instead of kicking regulators in the pants, six senators, led by thesis Republican Mike Crapo of Idaho, introduced legislation to essay give regulators more time to (not) finish writing the law.
On April 19th, the in management thesis Federal Reserve announced that it won't implement the Volcker Rule until 2014 #x2013; an extra two years that will give Wall Street plenty of time to find a way to kill the wollongong thing for good. STEP 4: BULLY THE REGULATORS. A seldom-considered factor in Dodd-Frank is that Congress controls the in management thesis funding for the federal regulators who are charged with carrying out the new law. Last year, after Republicans attempted to slash the CFTC's funding by analasys essay more than 33 percent, Congress settled for freezing the agency's budget, despite the fact that under Dodd-Frank, the market that the CFTC is responsible for in management, overseeing soared from essay group, $40 trillion to in management thesis $340 trillion. That same year, Republicans tried to cut the ms evers boys SEC's budget by more than $25 million. This results in a curious dynamic: When Wall Street is frustrated by regulators in in management the rule-making process, it can simply lobby Congress to rein them in. The regulators are then forced to strategically surrender on the rules in order to stave off budget cuts, Eugene Scalia or whatever other horror-show phenomena Congress and the financial industry might throw their way. Take those huge Paul Ryan-led budget cuts that the House passed in April, scrapping the of community entire bailout portion of Dodd-Frank.
The cuts may not survive in thesis the Senate, which is still controlled by Democrats. Ap Bio Photosynthesis! But when it comes to rolling back reforms like Dodd-Frank, winning isn't everything. These continual whippings of the new law in the House serve a larger purpose, which is to frighten and intimidate regulators like the SEC and the CFTC, who aren't even finished writing the law's actual rules. Thesis! The message is clear: If you don't write the rules in the weakest way possible, we have the juice to overturn you in Congress. What this is, above all else, is a play to put the House on record, says one congressional staffer familiar with the budget-cutting#xAD;battle. Wollongong! It's a leverage tactic. If they have 75 percent of the Financial Services Committee that says, 'You've made mistakes,' or 'This is too gray,' that is a huge hole card.
Even the CFTC admits this pressure exists: Commissioner Bart Chilton warned in March that his regulators risk being scared into making rules and regulations that are weak or ineffective because we are overly concerned about what we call 'litigation risk.' According to Marcus Stanley, policy director for Americans for Financial Reform, one regulator admitted that he worries in advance about Wall Street going over his head. If we make this rule too tough, the regulator told Stanley, industry is just going to in management go to Congress and punch it full of holes. A prime example of the crack suicide-squad preemptive-surrender strategy practiced by regulators involves the provisions of Dodd-Frank designed to curtail complex derivatives, like swaps, which caused disasters like the crash of AIG and the bankruptcy of Jefferson County, Alabama. Under the law, the SEC and the CFTC must decide which swaps dealers will be governed by new rules, requiring them to maintain more capital and collateral. Thesis! Originally, the agencies were thinking of regulating any dealer who manages more than $100 million in swaps. In Management! But then Rep.
Randy Hultgren, a Republican from Illinois, proposed H.R. Essays Summary! 3727 #x2013; one of the nine GOP-sponsored bills to thesis kill Dodd-Frank #x2013; that would raise the threshold to $3 billion in swaps. Overreacting to industry pressure, both the group SEC and the CFTC then volunteered to raise the threshold to $8 billion. That means at thesis, least two-thirds of eclipse of community thesis all swaps dealers in America will now be exempt from Dodd-Frank. Given the new threshold, consumer advocates calculate, you could make 1,600 swaps transactions a year, each worth $5 million, and still not have to so much as register as a swaps dealer. The thought provokes something verging on despair in thesis those who have devoted themselves to fighting for real financial reform. If I didn't have to spend my whole life in this, Stanley says sadly, it would be funny. STEP 5: PASS A GAZILLION LOOPHOLES. By the beginning of eclipse of community thesis this year, as a result of all of these threats, delays and lawsuits, Americans could barely see Dodd-Frank's footprint in in management their everyday economic life. Yet Wall Street was still insufficiently convinced that key portions of Dodd-Frank were really dead. So it went over the heads of regulators and essay group discussion impelled Republicans in in management the House to create an avalanche of wollongong new laws designed to undercut the rules the in management thesis CFTC and SEC were already heroically failing to essay photosynthesis write.
You might wonder how a bunch of lunkhead Republican congressmen would even know how to write a coordinated series of technical fixes to derivatives regulation, a universe so complicated that it has become hard to find anyone on in management, the Hill who truly understands the subject. (One congressman who sits on the Financial Services Committee laughingly admitted that when the essay discussion crash of 2008 happened, he had to look up credit default swaps on Wikipedia.) It turns out, they had help from the inside. Scott O'Malia, a Republican commissioner on the CFTC who formerly served as an aide to Senate Minority Leader Mitch McConnell, apparently sent a member of his staff over to the House to help the Republicans write bills to undercut the CFTC's authority. Originally a Bush appointee, O'Malia ignited a controversy when he was renominated to the CFTC by thesis Obama because he had once been a lobbyist for ap bio photosynthesis, Mirant, an energy company that was caught withholding power from California during blackouts. One of Mirant's subsidiaries was even fined $12.5 million for attempting to manipulate natural gas prices. Now, Obama's own appointee is reportedly leading the charge against finance reform.
O'Malia has assigned a staffer to quarterback all of thesis these bills, says Greenberger. He's orchestrating a sort of under-cover-of-darkness approach to driving holes in Dodd-Frank. The nine bills being contemplated by Congress take a variety of approaches to gutting Dodd-Frank. Two bills, H.R. 1840 and H.R. 2308, are essentially stalling tactics, requiring regulators to essays summary undertake more of in management those sweeping cost-benefit analy#xAD;ses that result in lengthy delays. Essays Summary! Another bill, H.R. In Management Thesis! 3283, is more substantive: Sponsored by Connecticut Democrat and thesis hedge-fund industry BFF Jim Himes, it exempts foreign affiliates of U.S. swaps dealers from thesis, all Dodd-Frank oversight. The rule, if implemented, would make the next AIG possible, given that AIG was undone by half a trillion dollars in derivative bets produced by such a foreign affiliate #x2013; its London-based financial products outfit, AIGFP.
If passed, says Rep. Brad Miller, a Democrat from North Carolina, H.R. 3283 would leave a massive, gaping hole in analasys essay Dodd-Frank. In Management Thesis! It would be very easy to move those trades to whatever the most indulgent country would be, Miller explains. The bill also exempts from oversight any swaps deals between company affiliates #x2013; meaning that Goldman Hong Kong can sell swaps to Goldman New York without having to analasys essay deal with Dodd-Frank.
That sounds harmless, but when you combine it with the in management thesis AIG-style exemption, a bank would basically be able to analasys essay get around Dodd-Frank entirely by creating its swaps products at an overseas branch, or moving them back and forth between affiliates. An even more distressing bill, which recently raced through the committee process with a simple voice vote, is H.R. 3336, granting broad exemptions from swaps regulations to any company that offers extensions of credit to in management thesis customers. There are some who are convinced that once the wollongong financial industry's lawyers get hold of this extensions of in management thesis credit line, they will use it to win exemptions for banks engaged in almost any kind of lending activity #x2013; including those involved with municipal-bond offerings, one of the most dependably corrupt businesses in the American economy. If all of these bills pass, says Stanley, I don't know why we wouldn't just invite the discussion industry lobbyists in to rewrite the rules. All of thesis these derivatives issues are oppressively dull and ap bio essay technical, and it's extremely difficult for most people to imagine how something like Jim Himes' exemption for foreign affiliates can actually affect their daily lives. But having an unregulated market instead of a regulated one might mean you'll pay an extra 50 cents for every gallon of gas (or possibly more, even according to Goldman Sachs).
Or you might have to in management pay hundreds or thousands more in taxes every year because your town or county or country, if you happen to live in Greece, grossly overpaid an investment bank when it borrowed money. An unregulated derivatives market essentially gives Wall Street a way to place hidden taxes on wollongong, everything in the world . The best way to explain where those hidden taxes come from is to compare a regulated market to in management thesis an unregulated one. It's the difference between buying soap and essay group buying drugs. In Management Thesis! You go into a corner store and there's a price tag on the soap, but you can always go across the street, or on the Internet, to see what soap costs someplace else. But when you go to buy an eight ball of coke, you have to ask your dealer what the price is, and it's not like you can compare prices online.
If you're tough and streetwise and you know what coke costs, you might get it for a couple hundred bucks. But if you're some quivering Ivy Leaguer idling in group discussion a Lexus, the in management price might be $400. That's how the swaps market works. It operates completely in the dark. If you're some Podunk town in Texas or Alabama and analasys essay you need swaps financing, you've got to ask Goldman Sachs or Morgan Stanley what it costs.
There's no exchange where you can compare prices. And modern investment bankers are ethically a notch below your average drug dealer. They will extract from their customer #x2013; a town, an airline, a chain of retail stores #x2013; whatever they think he'll pay. And that extra cost will be passed on to you by the overcharged customer, in the form of in management higher taxes, bigger home-heating bills, higher sewer rates or pricier airline tickets. Analasys Essay! Wall Street will be taking a bite out of you every time you write a check. U nder normal circumstances, seeing the Republicans send a bunch of evil bills like the derivatives exemption to the Democrat-controlled Senate wouldn't scare reform advocates too much. But in thesis March and April, something happened that sent progressives into essay group discussion a veritable panic #x2013; the in management passage of the so-called JOBS Act, a sweeping, bank-fellating deregulatory law that rolled back a smorgasbord of regulations designed to protect investors from fraud in the IPO markets.
The White House, eager to greenlight crowdfunding investments and essays summary a handful of other sensible reforms contained in the bill, leaned on the Senate leadership to send the thesis measure straight to the floor for a vote. Eclipse Thesis! That meant this monster deregulatory bill went directly into the books with minimal testimony, no committee hearings and no real debate of any kind. Now, in in management the wake of the JOBS Act fiasco, many reform advocates expect the same scenario to repeat itself with the nine bills to roll back Dodd-Frank. In the photosynthesis House, a number of the in management most dangerous derivatives bills have been passed by suspension, a simplified voice-voting process usually reserved for uncontroversial items. The truly sinister thing is that, in order for a bill to be put on the suspension calendar, the two parties must agree #x2013; meaning that Democrats signed off on essay, this Trojan-horse method of in management treating complex, economy-altering bills as minor technical fixes. The truth is that Dodd-Frank is so huge, and contains so many complicated new rules, that there are, in fact, many areas where small technical fixes are needed.
H.R. 4235, one of the nine bills brought before Congress, resolves a real problem with the group discussion way swaps data is collected, an issue that was preventing foreign swaps dealers from in management, getting onboard with the reform. But when needed fixes like this are thrown in side by side with a mind-boggling exemption for swaps dealers like H.R. 3336, which hits the floor as the innocuously named Small Business Credit Availability Act, all those members of Congress who don't sit on the Financial Services Committee will have no way of telling which bill is the minor technical fix and essay group discussion which is the sweeping repeal. Moreover, when those members see that some bills are co-sponsored by Democrats, and that the thesis Democratic leadership agreed to put the bills on the suspension calendar for a simple voice vote, many will take it as a cue that it's OK to vote for the rollbacks.
That's particularly true because most members of Congress know that the public seldom pays any attention to essays summary the fiendish complexities of thesis things like derivatives reform. I've never had someone back in the district say to me, 'I think derivatives need to be traded on an exchange,' says Miller. These are the kinds of ms evers boys issues that aren't going to have any pop in a 30-second ad. The nine bills to in management gut Dodd-Frank could also receive a JOBS Act-style welcome when they reach the Senate. Ms Evers Boys! There are only two Senate committees with the jurisdiction to tackle these bills, and in management neither appears to be planning to take a whack at any of the new measures. The Agriculture Committee, which oversees the CFTC, has been busy dealing with a huge farm bill. The Banking Committee, which oversees the SEC, is dominated by Democrats who wouldn't mind at all if Dodd-Frank had both its legs broken, including Chuck Schumer of New York and Mark Warner of Virginia. What's more, the committee's understated chairman, Sen. Tim Johnson of South Dakota, seems weirdly willing to let pretty much anything touching the financial world roll straight to a vote without his changing a comma #x2013; a sharp contrast to the days when fist-shaking politcal Godhead Chris Dodd ran the essay group committee. Chris Dodd would have been angry if people considered doing things without him, says one Democrat. He'd be like, 'You, out of my sandbox.'
That means all those thousands of in management hours of debate and fierce negotiation spent hammering out Dodd-Frank two years ago might now go up in smoke in group discussion a matter of a few quiet minutes. Of the thesis big-ticket items that were actually passed two years ago, the derivatives reforms have been completely gutted by loopholes, the Volcker Rule has been delayed for two years, and the Consumer Financial Protection Bureau may be thrust under the budgetary control of Congress, which is determined to destroy it. And much of this is taking place with the assent of Democrats, for a very simple reason: because the name of the game isn't cleaning up Wall Street, it's cleaning out Wall Street #x2013; throwing a yes vote at a bank-approved bill to get them to pony up in an election year. All this is essays summary aimed at the financial services industry, admits one senior Democratic congressional aide. It's to let them know, 'Hey, you're OK, we're not going to in management thesis destroy your business #x2013; and give us your money, because we're trying to raise it for essays summary, an election.' That's the underlying problem with cracking down on Wall Street: Our political-economic system has grown too knotted and unmanageable for democratic rule. While it's incredibly difficult to get a regulatory reform passed, it's far easier #x2013; and more profitable to in management thesis politicians #x2013; to kill it.
Creating legislation is a tough process. But watering down legislation? Strangling it with lawsuits and comment letters and ap bio blue-ribbon committees? Not so tough, it turns out. You can't buy votes in a democracy, at least not directly, but our democracy is run through a bureaucracy. Human beings can cast a vote, or rally together during protests and elections, but real people #x2013; even committed professionals #x2013; get tired of running through mazes of motions and countermotions, or reading thousands of pages about swaps-execution facilities and NRSROs. They will fight through it for five days, or maybe even six, but on the seventh they will watch a baseball game, or Tanked , instead of diving into that morass of hellish acronyms one more time. But money never gets tired. It never gets frustrated.
And it thinks that drilling holes in Dodd-Frank is every bit as interesting as The Book of Mormon or Kate Upton naked. The system has become too complex for in management thesis, flesh-and-blood people, who make the mistake of thinking that passing a new law means the eclipse end of the discussion, when it's really just the beginning of a war. This story is from the May 24th, 2012 issue of Rolling Stone. Editor's Note: This article has been changed to reflect the fact the Consumer Financial Protection Bureau is not dependent for its budget on the Federal Reserve. Sign up for thesis, our newsletter to receive breaking news directly in your inbox.
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100 Easy Causal Analysis Essay Topics. VirginiaLynne has been a University English instructor for in management over 20 years. She specializes in helping people write essays faster and easier. Causal analysis essays answer the wollongong question, Why? Many times, answer to this question can't be proved absolutely, so sometimes this essay is called a speculating about in management causes essay. To write it, you will describe what happens and then state your answer (aka thesis) about the cause, providing support for your answer with reasons and evidence. • Why do people do that? • Why does this happen? • Why is this a trend? • Why does it occur? What causes people to develop phobias?
Why do some people become addicted to gambling when others can gamble and essays summary not become addicted? What causes people to rise above a disadvantaged background such as poverty, a single-parent household, or abusive parents? What are the chemical causes of falling in love? What causes feeling of romantic attraction to fade? What causes love at first sight? Why do people lose their memories as they get older? Why do people need to in management sleep? Why do we develop muscle memory for some repetitive actions? Why do people experience nightmares? Why do some marriages last for ms evers boys essay a lifetime?
Why do we have short and in management long term memory? Why do people get dyslexia? Why do we respond physically to fear? Why do we yawn (or hiccup, or stretch)? Why can people, who have their eyes closed, sense objects they are approaching but not yet touching? What makes some people introverts and others extroverts? Why is methamphetamine so addictive? Why do people crave sugar?
Why do some families look so much alike, while others don't? Why do first born children tend to be achievers? Why do people snore? Why do people lie? Why do people blush? Why do people hate? Why do teenagers rebel against their parents? Why do teens get acne? Why do teens sleep so much? Why do teens cut themselves?
Why do people commit suicide? Why do teens engage in sexting? Why do young people start smoking when they know it causes cancer? Why do young people sometimes get cancer? or have heart attacks? Why do teenagers use drugs? Why do college students binge drink? Why do young people become homeless? Why do young people join gangs?
Why do young people make graffiti? Why do fewer young people vote (compared to older generations)? Why don't younger people donate blood? or become organ donors? Why don't teenage relationships last? Why don't teenagers read? Why don't teen marriages last? Why are teenagers more optimistic than older people? Why are young people better at learning languages than older people? Why do adolescent girls need more iron than adults or boys their age? Why do teenage girls idolize male celebrities? Why do adolescents need protein?
Why do adolescent girls mature faster than boys? Why do adolescents need to photosynthesis establish their own identity? What type of Why question most interests you? Why do animals have tails? Why do some animals like to be petted? Why do elderly people with pets live longer, healthier, and happier lives? Why are pets good for thesis kids? Why do dogs eat strange things like grass and of community poop? Why do cats show pleasure by in management thesis purring and essays summary kneading? Why do cats like to in management sleep in analasys essay, boxes and other strange places? Why do cats who are well-fed still hunt?
Why do birds build elaborate nests? Why do monarch butterflies migrate long distances? Why do ants and bees live in colonies? Why do wolves howl? Why did humans domesticate wolves and breed them to thesis become dogs? Why do some insects and jellyfish glow? What causes tides?
Or the wind? What causes insects like crickets and cicadas to make such loud noises? Why are animals used in research? Why are animals afraid of humans? Why is larger size an advantage for animals in colder climates? Why do small dogs live longer than bigger dogs?
Why are some animals becoming endangered? Why is nature so therapeutic? Why are insects attracted to light? Why are insects the most successful animals on earth? Why are microbes important to human beings?
Why are so many Americans against the Affordable Care Act (Obamacare)? Why are some Euro countries like Greece in such economic turmoil? Why are rates of AIDS transmission higher in Africa than elsewhere? Why do Japanese couples delay marriage? Why does Japan have higher suicides rates than many other countries? Why are large typhoons and eclipse thesis hurricanes like Haiyan happening more frequently? What has caused the unrest in the Middle East which resulted in in management thesis, the Arab Spring Movement and essays summary Syria's civil war?
What caused the in management thesis Great Recession of 2008? Why are random shootings becoming more common in the U.S.? What causes terrorist groups to target certain countries? (You could choose a country.) What caused the U.S. Essay Group? government shut down of 2013? Why is North Korea so closed to the rest of the world? Or why is it becoming more belligerent toward other nations? Why are more and more people moving to in management large cities and away from wollongong, rural areas? (You could talk about this worldwide or apply this question to one country or region of the world.) Why has the neo-conservative movement developed in American politics?
Why has neo-Nazism been on thesis the rise in wollongong, Germany? Why is China going to in management thesis ease up on the one-child policy? Why did Donald Trump win in the 2016 election? Why have the police been targeted by essay gunmen recently in thesis, the U.S.? Why are terrorists choosing to use vehicles as weapons? Why did the analasys essay Arab Spring movement not lead to successful democratic societies? Why is thesis Twitter the essay medium of thesis choice for analasys essay Donald Trump? What caused the French Revolution? What caused the development of in management thesis American slavery system?
What caused the settlement of Australia by essay group discussion the English? What caused the colonization of Africa? Why does English have so many words of French origin? Why is English the thesis main language used around the world in business and science? Why does India have a caste system? Why are the Chinese still interested in religion after years of atheist communism? What caused the of community thesis great Chinese famine in the Great Leap Forward? What caused the black plague of the in management thesis Middle Ages to stop? What caused Great Britain to adopt the parliamentary system? Why does America have an educational system that is different from the European system used by most of the of community rest of the world? Why, according to the 2000 U.S.
Census information, did more Americans identify with German ancestry (15%) than any other heritage (Irish was second at 10%, and in management African American was third at 8%)? Why did Japan attack the U.S. at Pearl Harbor? or Why did America drop an atomic bomb to end the war? Why is it important to analasys essay study history? (Depending on in management thesis how you answer, this could be worked into eclipse a causal essay topic.) After choosing your topic question, you can research online to thesis get some ideas of possible answers. Title: The causal question makes a great title for your essay. However, you should probably make the essays summary question as short as possible for the title. Your answer to the question will be the thesis of in management thesis your paper.
Introduction: Start your introduction by group discussion interesting your reader in in management thesis, the topic and describing the situation or effect. See the ap bio essay chart for easy introduction and conclusion ideas. In Management? The end of ms evers boys your introduction will be your cause question and thesis. Thesis: Start your thesis by asking your question and then answering it. To make your thesis into in management a clear roadmap of what you will talk about in your essay, add a because followed by the three reasons you will give in the body of your essay. Body: Be careful to write the reasons in parallel format. Sample Thesis: Why do people enjoy being scared at a horror movie? Humans enjoy scary movies because they feel an emotional release in watching and talking with other people about the experience, and they get a vicarious thrill in seeing the wollongong forbidden on the screen. In Management Thesis? (Of course, you can have more than just three reasons, and you may have several paragraphs on essay photosynthesis one reason if you have several parts of that reason to discuss.) Topic Sentences of Body: For your body paragraphs, take your three reasons and turn them into full sentences. In Management? Those are your topic sentences for the body paragraphs of your essay. Gather evidence from your own observations and from research.
Conclusion: In the conclusion, you want to either urge the reader to believe your reasons or give a final point. Group Discussion? See ideas in the chart below. Easy Introductions and Conclusions. 100 Easy Illustration Essay Topics. by in management thesis Virginia Kearney 3. How to Write a Summary, Analysis, and Response Essay Paper With Examples. by Virginia Kearney 55. Summary, Analysis, Response Essay Example. by Virginia Kearney 0. Easy Argumentative Essay Topics for College Students. by Virginia Kearney 5. 100 Problem Solution Essay Topics with Sample Essays. by eclipse of community thesis Virginia Kearney 42. How to Write a Summary, Analysis, and in management thesis Response Essay Paper With Examples. by Virginia Kearney 55. this really helped! Virginia Kearney 23 months ago from United States. Wollongong? Breathing, I am glad that this post helped you. Thesis? I have many more articles about ap bio writing.
Please look at my How to Write a Cause Essay for thesis introduction and conclusion ideas and Technology Topics for Research Essays for more topics. Sajib 23 months ago from Bangladesh. Thanks a lot for discussion posting such a wonderful and helpful post! It will help us a lot who always look to create great casual analysis essays. In Management? Really you have some excellent and breathtaking ideas! These questions always come to our mind but very few us are able to group discussion find the thesis answers. Essay Group Discussion? I hope you will also shed some light on the following issues: 1. A few similar questions on the technology niche. 2. A few exciting ideas about the body like the in management thesis introductory and concluding ideas. If I get these things it will help me specially and lot of others. Hoping to have some more great things from you! Kathryn Lane 23 months ago.
This was really helpful, thank you! Thank you so much! Kader 3 years ago from Algeria. Analasys Essay? Nice and helpful tips on which teach rely and reffer to.Thank you so much. Maree Michael Martin 3 years ago from Northwest Washington on an Island. Thesis? Very helpful. I love all these questions and essay topics, thanks. Ms Evers Boys? Dianna Mendez 3 years ago. Another great post for teachers and students! I always learn to much from your sharing. Thank you!
Virginia Kearney 3 years ago from in management, United States. Thanks Hezekiah--I am hoping that I can help people. Essay? So many of the in management people who teach the essays summary beginning levels of college English are graduate students who are just beginning teachers themselves. I know how hard it can be to come up with good lesson plans and instructions. That is why I've decided to post my own notes and instructions that I've developed in teaching for over 20 years. Hezekiah 3 years ago from Japan.
Nice tips there, I wish I would have known these while I was still at Uni or High School. Copyright 2017 HubPages Inc. and respective owners. Other product and company names shown may be trademarks of their respective owners. HubPages ® is a registered Service Mark of HubPages, Inc. HubPages and Hubbers (authors) may earn revenue on this page based on affiliate relationships and advertisements with partners including Amazon, Google, and thesis others.
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Vivian Christian Personal Essay 1. Personal Essay Vivian Christian Coll 100 American Public University System Susan Desverreaux Personal Essay This is my personal essay that will give you a better understanding of myself Vivian Christian. Essays Summary? I will explain in this essay my reason for seeking my degree, my learning style, and. Explain Why Play Is Important to the Holistic Development of the Young Child. In Management Thesis? Explain How and ap bio Why Children’s Play Changes over thesis, the First Six Years of Life. Include Examples to Support Your Ex.
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elated Essays . Learning From Failure And Mistakes and Mistakes Learning from ap bio, Failure and Mistakes Laurie Groves Stevens Henegar One of the articles I found at . are thousand ways to fail but there is one way to success and thesis that by learning from our failures. Once a student tastes success he starts to. Explain how and why children’s play changes over the first six years of life. Street, London W1K 6TG, United Kingdom Tel 00 44(0) 20 7493 8300 ( Fax 00 44 (0) 20 7629 7808 www.montessori.org.uk TITLE SHEET for Distance Learning Students Is English your first language: No STUDENT NAME: FENASI KERIM STUDENT NO: 31371 NAME OF MARKER: PAM SHEPHARD DATE OF SUBMISSION. public and ms evers essay private high schools across the United States. Some high schools offer the opportunity to take online classes, but the majority of distance learning occurs in the college/university setting. As many people are aware of, college students come from a very wide background; old, young, mothers, fathers. ? Essay on Langston Hughes’ “Thank You, M’am” Saying Thank You Most young people can benefit from having a trusting relationship with an older person.
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?Argumentative essay : why libraries should be open for of community thesis 24hour A library is an important part of a school. Every school should have a school library. It is a source of knowledge for the minds. It develops the habit of reading among the students. These may be a source of encouragement for the students. follow instructions accordingly . Failure to give her an answer in the morning on why can we not follow the rules, Chef Felder handed us this 10 page essay to thesis, reflect upon the actions done by us and the rest of our classmates. This is to serve as a reminder to abide by the rules set by analasys essay an organization . Academic Essays Format. In Management? format. format is what High school english teachers preached to all high schoolers. Group? We came to thesis, know of discussion, several different formats for in management different types of analasys essay, essays . We were graded on how close we could keep to the format and thesis how well we followed the prompt. We were never taught.
Constructing Himself and His Life Story. constructs himself and his life story. He has the analasys essay ability to stand outside of his experiences and is aware of his places and thesis events in his life . Douglass is growing up and becoming a man physically and ap bio essay photosynthesis emotionally, innocence is being shed as he matures into manhood. In this essay I will prove that Douglass. Yearning for Learning Synthesis Essay Yearning for Learning It would be challenging to thesis, support a family today without obtaining an undergraduate education. The job market is difficult, and wollongong the way things are done is ever evolving.
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I never thought I would be enrolled in college let alone writing a essy about returning to school.. My goal was to go to college straight from high school but things don't . Instructions and Worksheet for Writing a 5-Paragraph Essay. Instructions and Worksheet for Writing a 5-Paragraph Essay Step 1: Determine a Purpose for your Essay The following are the of community most common purposes for essay -writing: Narrative.
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